TontineTrust is the world’s 1st “RetireTech”

Our Platform allows consumers to create their own 'DIY' pensions and know with extremely high precision what their level of lifetime income in retirement will be.

Behind the scenes, our engineers use state of the art technology, applied mathematics and machine learning to make the safest, most trusted pension in the world.

But our members don't need to worry about any of that, they don't need to worry about running out of money & they don't need to worry about the financial markets.

Once a member joins, she becomes a 'Tontiner' & the best way to get the most out of her pension is start taking better care of her health.

How it works

What we do

What we do

Our Platform uses advanced technology to create & manage next generation lifetime income pensions such as Tontines or CDCs.

In 2007 the Head of Research at BNY Mellon Asset Management wrote a paper entitled “A Mutual Fund to Yield Annuity-Like Benefits” which proclaimed the 400 year old European tontine pension as the solution to the world's problems in the pensions industry.

10 years later our founder Dean, came across the problems facing modern retirees and went seeking a solution. Frustrated at the options available, he discovered the significant body of academic research describing how 'tontines' would be the perfect modern pension schemes for individuals, corporations & states.

After 3 years of research & development, we have headquartered in Ireland from where we are establishing the world's first new tontine pensions provider in 100 years.

TontineTrust is an award winning fintech / fiduciary organisation building a platform for issuing & operating tontine-style Pan-European Personal Pensions (PEPPs).

Backed by Enterprise Ireland, the firm employs 20 people & is already setting new standards for pension excellence amongst savers by using state-of-the art technology to enable simple, safe, low-fee lifetime income solutions.

Following the initial launch of our MyTontine PEPP, our PEPPs-as-a-Service platform will enable Tontine PEPPs to be offered by Countries, Savings Associations, Social Partners & other Fintechs.

Why we started this organisation

Why we started this organisation

When you reach retirement, you face what Nobel Prize winning economist Bill Sharpe describes as “the nastiest, hardest problem in finance”.

That problem is: How much can you spend every month without risking that your money will run out?

84% of savers want to solve the problem by securing a lifetime income but existing solutions just don't work.

The simple answer is to join a 'Tontine' which pays a monthly income for life that can be expected to rise over time.

This is why we started TontineTrust: to create the safest, most trusted & best value-for-money lifetime income pension in the world.

Our Mission

Our Mission

Fast forward to today where better healthcare means that 300 million over 50-year-olds are living in the "rich" OECD countries. What is bankrupting the OECD public servant pensions is the same problem that now risks doing the same to private savers: 33% of men & 43% of women will live into their 90's.

Nobody enjoys the prospect of a 40+ year game of financial Russian roulette which is why it is no surprise that 70% of over-50's are interested in a lifetime income solution OTHER THAN a historical annuity.

This is why we created our award winning & globally patent pending platform. Our fully digital solution will enable users to sign-up online for a simple, safe & transparent monthly income which they can trust to continue until age 120.

Studies shows that when you remove the fear/risk of running out of money, your lifestyle, health & even your IQ can improve. For this reason we know that our platform will ultimately help societies as well as individuals.

Our Dedicated Team

“The only way to be truly satisfied is to do what you believe is great work. And the only way to do great work is to love what you do. If you haven’t found it yet, keep looking. Don’t settle. As with all matters of the heart, you’ll know when you find it. - Steve Jobs”


Jorik Van Zanden LLM

Pan-European Pensions Strategist



Max Haran Doyle

Business Manager



Ruth Nolan

Behavioural Analyst



Aratrika Ahuja

Financial Analyst



Swathi Sampath

Front-end Developer



Monil Modi

Software Engineer



Daniele Martini

UX Designer



Fernando Simião

UI Designer & Visual Artist



Lea Domingo

Project Support



Isaac DeFrain PhD

Mathematician turned Haskeller focused on provably safe design



Maninderjit Ghai

SEO Specialist



Binay Pradhan

Product Owner



Edward Amsden

Haskell Developer & Nix Infrastructure Engineer



Christopher Lewis

Senior Haskell Engineer, Making Retirement Functional



Richard Kent

Head of Structuring & Governance



Dean McClelland



Our Advisors


Hans Van Meerten

European Pensions Expert, EIOPA Panel Member, PEPP Specialist


Richard K

Richard K Fullmer CFA

US Pension Fund Strategist & Tontine Pensions Expert



Michael Edelson

Long term Director of Man Utd FC, VC/Angel & Philanthropist



Andrew Condon

Former Chief Software Architect of IONA Technologies



Jörg Platzer

Economist, Director of Deutsche DLT Assoc., Tontines Expert



Jon Matonis

Ex-VISA & CEO of Hushmail, Founder of the Bitcoin Foundation



Jumaatun Azmi

Founder of the World Halal Forum, CEO of Kasehdia



Norbert Gehrke

Former AIG Japan Strategist, ex Goldman MD, Asia Region Advisor


Who We Work With



European Pensions Law Consultancy & Pan-European Pensions Specialists


Enterprise Ireland

Enterprise Ireland

An Irish govt. agency that partners with enterprises to help them start, grow, innovate & export to global markets.


Mason Hayes & Curran LLP

Mason Hayes & Curran LLP

MHC is an award-winning Irish law firm with 90 partners & 500 staff spread across Dublin, London, New York & San Francisco.


Transparency Task Force

Transparency Task Force

Global community dedicated to increasing transparency in financial services


Aging 2.0

Aging 2.0

Global community addressing the biggest challenges & opportunities in aging


STAR Smoother Transfers

STAR Smoother Transfers

TontineTrust is a member of STAR which is a UK FCA endorsed alliance of 60+ world leading pensions & investment managers which are committed to making pension transfers simpler, cheaper & faster


History of Tontines

History of Tontines

Back in 1653, retirees hated buying annuities, just like they still do today. This was a growing problem for cities & countries which for centuries had funded themselves by issuing annuities.

Lorenzo De Tonti, a former banker, proposed a simple but radical improvement to the 2000 year old annuity: When a retiree dies, instead of cancelling their payout for your own benefit, share it among the survivors so that their payouts will increase over time.

Initially rejected as too generous by the King of France, the first 'tontines' were issued in 1670 by the rich Dutch cities of Kampen & Groningen. France, England, Germany & Ireland followed as demand for tontines exploded from retirees all over Europe. Tontines immediately dominated the European pensions industry & would have continued to do so but for the arrival of central banks which provided governments access to cheaper funding.

Then in 1876, Equitable Life in the US issued an annuity with tontine-like benefits. The tontine effect proved so popular that theses came to dominate 64% of revenues, growing the insurance industry by 600% until over 50% of households owned a Tontine Pension.

The Insurers however existed to serve their stockholders rather than their customers. As a result, rampant fraud emerged across the industry including charging for unnecessary guarantees even though the customers were the ones sharing all of the risk. Following a massive investigation in 1906, the New York regulator banned them from profiteering at the expense of tontine members. The Insurers withdrew the beloved tontines, returning to the hated -but far more profitable- guaranteed annuities which they still offer today.


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© Tontine Trust Retirement Technologies Limited ('TontineTrust'). All rights reserved.

The information in this site is informational & of very general guidance only. Nothing in this website should be taken as constituting individual advice to you. The choices you make, or do not make, around the investment of your Retirement Account are your own responsibility.

Neither TontineTrust nor your Scheme Trustee can be held responsible for any financial loss arising from your investment choices or lack of them. Values can fall as well as rise whatever type of scheme is chosen and no particular level of retirement benefit from a pension can be guaranteed.

TontineTrust is building a platform which supports the issuance of risk sharing lifetime income products such as Tontine PEPPs. Our first lifetime income retirement product when launched will also seek approval to be classified as one of Europe's first Pan-European Personal Pension Products or 'PEPPs'.

PEPPs are a new generation of personal pension products which comply with the European Union’s latest regulations creating the gold standard of personal pension product design in terms of value for money, transparency & governance. Once our pension product is registered, we will launch with the support of best of breed investment service providers with the aim to be available in 27 countries by the end of 2021. TontineTrust does not offer or provide investment services.